Are you one of the many Americans longing to get on the road these days and get out of town with your family?  A trip in a Recreational Vehicle, or RV, may be the perfect choice for you to safely travel in comfort this year. RVs are viewed by many as a safer traveling option for 2020.  They give you the ability to sleep in your own bed, use your own bathroom, and eat in your own space away from crowded areas.  To have a safe and successful RV road trip this year, you will need to prepare for both … Continue reading

Is there anything more fun these days than getting out for a nice healthy bike ride? I love to get out on my road and mountain bikes as much as possible and bike around Marquette County on the beautiful days.  However, each time I go out, I am careful to follow bicycling safety practices to keep myself and other motorists, pedestrians, and cyclists safe. Getting out on a bicycle is one of my favorite ways to exercise, and it has many benefits.  It strengthens my heart with the cardio exercise, gives my immune system a boost and my brain a … Continue reading

Since many of us have been looking for creative ways to social distance due to the COVID-19 pandemic, one industry that has been busy this summer is boating! Summer is not quite over yet, so it is still a good idea to review boater safety before heading out on the water. Before you cast off, no matter your desired choice of watercraft or body of water, it is a good idea to check the local weather forecast to know what you will encounter.  Sometimes it looks like a gorgeous day out on the lake, but dark clouds may be headed … Continue reading

Hiking Safety Planning time for pleasure and enjoyment can be difficult these days with the way the world has changed from the pandemic and the many restricted travel options.  One increasingly popular activity that is both easy on the pocketbook and good for your overall health is hiking. The concept of going for a hike may sound simple; however, it is important to prepare yourself ahead of time for any issues that may arise.  Knowing what to do if bad weather pops up, planning where you will go, hiking with a buddy or letting someone know when to expect you … Continue reading

Trucking and transportation, much like other industries in our society, is regulated by government at the local, state, and federal levels. The Federal Motor Carrier Safety Administration, or the FMCSA, is one government agency that trucking / transportation companies may be the most familiar with. The FMCSA is an agency within the Department of Transportation, and it was established on January 1st, 2000. The FMCSA has over one-thousand employees in all fifty states, and is led by a Deputy Administrator who is appointed by the President, and confirmed by the Senate. Per the agency’s website, the primary mission of the … Continue reading

You may have heard of ERISA bonds before.  You very likely have heard of 401(k) plans.  But did you know the two are connected?  I have found that, even in the insurance business, there is a lot of uncertainty as to what ERISA bonds do, how they work, and why they are required. ERISA is an acronym for the Employee Retirement Income Security Act of 1974, which was enacted into federal law to set minimum standards for retirement and health plans and to provide protection for individuals enrolled in the plans.  ERISA bonds are fidelity bonds that act as employee … Continue reading

A very popular New Year’s resolution people make is to cut back on spending and save more money. One positive of our recent quarantine is that this a little easier to do, and incorporating financial stability and being mindful of spending can be very satisfying and provide benefits in many facets of one’s life. This can come from a variety of strategies such as tackling debt, eliminating unnecessary purchases, and just putting more into a savings account on a monthly basis. Now being in the third month of the year, people may have fallen off the wagon a bit. Maybe … Continue reading

We realize this “topic” is on just about every news broadcast headline, newsletter, and any social media site you visit lately.  So, as an employer what should you do now that it has become a pandemic. First, be aware and monitor the CDC, state, and local health department websites.  Governor Whitmer has created a task force to combat the spread of COVID-19 (Coronavirus).  Information regarding the State of Michigan and resources can be found at https://www.michigan.gov/coronavirus. As an employer, you need to evaluate your sick/vacation/PTO policies and how they will affect your employees if they need to be off due … Continue reading

We’re living in strange times; it feels like time is passing so fast, but yet so slow. There’s a constant desire to keep up with all of the new information surrounding the Coronavirus pandemic, yet also an urge to just unplug and distance ourselves from it. Trying to keep up with everything can be overwhelming, exhausting, and anxiety inducing; but not paying attention to it causes ignorance to a global pandemic, in which we’re literally watching history unfold day by day. Many of us have faced some sort of transition in light of COVID-19; whether that’s going from working full … Continue reading

When I first heard the term “Inland Marine Insurance”, I thought it sounded like an oxymoron.  How do you have insurance for marine items that are “inland”?  In fact, inland marine insurance almost fits that line of thought.  It is insurance for a wide assortment of specialized property made for land, not for oceans or water-travel. Inland marine insurance is a type of business property insurance that can include coverage for scheduled items on a policy, and it can also include a general limit for many items that fall under the same category.  This is often included on policies for … Continue reading